公司动态 日前，蚂蚁保、腾讯微保等互联网保险平台相继宣布，多款热销定期寿险产品将于2月28日正式下架，新品则自3月1日起上市。这一变动引发了市场的广泛 关注。 据蚂蚁保平台信息显示，阳光人寿的"全民保·定期寿险"将于2月28日停售，其替代产品将于次日上线，价格预计上涨约7.2%。与此同时，同平台在售的同方 全球人寿"臻爱·定期寿险"也将于同日下架，新产品涨价幅度同样超过7%。 腾讯微保平台亦不例外，其平台上的同方全球人寿"护身福·定期寿险（鹅民专区版）"同样面临下架命运。值得注意的是，该产品与蚂蚁保平台的"臻爱·定期 寿险"实为同款，均为"同方全球'臻爱2026'"。目前，该产品位居腾讯微保平台定期寿险热销榜榜首。 业内人士分析，此次定期寿险集中下架、调价，主要受三大因素驱动：一是预定利率持续下行，改变了产品定价基础；二是保险公司对风险评估更为审慎， 体现在产品定价上；三是市场竞争逻辑发生转变，从价格导向转向价值导向。 面对这波停售潮，业内人士提醒消费者，应抓住最后的窗口期，根据自身家庭实际需求进行保障规划，切勿盲目追逐低价。 免责声明：本文观点仅代表作者本人，供参考、交流，不构成任何建议。 收藏 ...

本次调价主要受预定利率下行、新版生命表实施、增值税政策口径收紧三重因素驱动，行业定价逻辑从 价格竞争转向保障与风险定价。业内提示，消费者应按需配置，理性把握投保窗口期，勿盲目跟风"炒 停售"。 经济观察网 从蚂蚁保、腾讯微保等互联网保险平台获悉，多款热销定期寿险将于2月28日集中下架，3 月1日起新品上线并上调保费。其中蚂蚁保旗下阳光人寿全民保定期寿险、同方全球臻爱定期寿险调价 幅度约7.2%，腾讯微保同方全球护身福定期寿险（鹅民专区版）同步停售，暂未上架新品。 ...

蚂蚁保平台信息显示，阳光人寿"全民保·定期寿险"将于2月28日下架，重新上线后的产品从3月1日起涨 价约7.2%。 蚂蚁保客服表示，3月1日上线的仍为同款产品，但权益、保额及保费将有所调整。此外，同平台在售的 同方全球人寿"臻爱·定期寿险"也将在2月28日下架，新产品涨价幅度超过7%。 一是预定利率的持续下调。保险产品的定价与预定利率密切相关。近年来，随着市场利率下行，保险产 品预定利率上限多次下调，改变了产品定价基础。尽管定期寿险对利率的敏感性低于年金险，但仍受到 了预定利率下调影响。 二是保险公司对风险评估更为审慎。随着近年实际赔付数据不断积累，保险公司对相关风险有了更精准 的认知，对未来风险的评估更加审慎，这一变化也体现在产品定价上。 三是市场竞争逻辑转变。近年来，互联网保险高速发展，"价格战"是各大平台抢占市场的主要手段。但 随着监管趋严、市场逐渐成熟，这种以低价换流量的模式已难以为继。"现在的竞争正从价格导向转向 价值导向。"某保险业内人士表示，"未来产品会更注重保障责任的优化和服务的提升，而不仅是价格竞 争。" 产品有望升级 图片来源：蚂蚁保（2月25日截图） 此外，腾讯微保平台上的同方全球人寿" ...

智通财经记者 | 曾令俊 开年以来，汽车销售服务行业的保险中介业务持续收缩。 据智通财经记者不完全统计，截止到2月2日，今年已有至少8家汽车销售服务公司正式注销保险中介牌照，退出保险代理与销售领域。比如，1月底江 苏金融监管局依法注销徐州安达汽车销售服务有限公司等4家公司《保险中介许可证》。 而这一趋势在2025年已显现爆发式增长。据不完全统计，去年全年共有80余家汽车服务商注销相关牌照，数量超过2023年、2024年两年的总和。曾经 依托线下场景优势、与车险销售深度绑定的汽车服务商，为何主动摘牌？ 除了因为4S店闭店的原因之外，更重要的因素在于行业变革。"以前卖一张车险，能拿到20%甚至30%的手续费，再加上保险公司给的油卡、保养券 等隐性福利，这笔收入很可观。现在'报行合一"手续费被压到个位数，还不能有任何暗返，卖一张保单的利润连给续保专员开半天工资都不够。"广 州某汽车销售有限公司副总经理王浩对智通财经记者坦言。 高佣金时代落幕 汽车服务商作为车险销售的关键场景之一，一直是保险公司拓展车险业务的重要渠道；同样，汽车服务商在销售车险方面也天然具有优势。 但近两年来，越来越多汽车服务商选择退出车险销售业务。 ...

Core Insights - The core focus of the articles is on Tencent Weibo's advancements in insurance claims services, emphasizing the transformation of user experiences from anxiety and confusion to reassurance and certainty through innovative digital solutions [1][8]. Group 1: Claims Service Innovations - In 2025, Tencent Weibo reported a total claims amount of 8.4 billion yuan, a year-on-year increase of 35.48%, with 25.76 million claims received, up 45.21%, and over 10.9 million claimants, reflecting a growing acceptance of online claims [1]. - The "WeChat Quick Claims" service was launched, allowing users to complete claims in as little as 6 seconds after paying medical fees, marking a shift from passive to proactive claims processing [4][6]. - The introduction of the "Commercial Insurance Direct Payment" channel enables patients to settle their commercial insurance claims simultaneously with medical reimbursements, eliminating the need for upfront payments [2][10]. Group 2: User-Centric Approach - Tencent Weibo's "One-Click Claims" feature simplifies the claims process, enhancing user experience by reducing friction and providing clear guidance throughout the claims journey [4][11]. - The company aims to create a seamless experience in car insurance claims, addressing common pain points such as fragmented services and lack of transparency, with a focus on user convenience [10][13]. - The "Connection as a Service" model emphasizes the importance of integrating various stakeholders, including users, hospitals, and insurance companies, to enhance service efficiency and user trust [8][17]. Group 3: Industry Context and Future Directions - The insurance industry is shifting from a focus on selling more policies to enhancing service quality and efficiency, driven by regulatory changes promoting sustainable growth [14][15]. - Tencent Weibo's use of AI in claims processing aims to improve efficiency and user experience, showcasing the potential for technology to transform traditional insurance practices [15][17]. - The company's strategy reflects a broader trend in the industry towards user-centric services, leveraging digital tools to create a more transparent and efficient claims process [14][17].

Core Insights - The insurance industry in China has shown positive growth in the third quarter, with original insurance premium income reaching 5.2 trillion yuan, a year-on-year increase of 8.5% [1] - Internet insurance is increasingly integrated into the industry, with a significant rise in premium scale from 29 billion yuan in 2013 to approximately 494.9 billion yuan in 2023, reflecting a compound annual growth rate of over 30% [1][2] - The market is diversifying, with over 60 life insurance companies and nearly 70 property insurance companies now engaging in internet insurance, indicating it has become a common capability across the industry [2] Industry Trends - Internet insurance is characterized by a dominance of accident and health insurance, with standardized products like million medical insurance and inclusive health insurance seeing rapid growth [2] - The shift towards online channels is driven by changing consumer behavior, with over 80% of internet users engaging in online payments and shopping, making younger demographics the primary consumers of insurance [5] - The focus of competition in internet insurance has shifted from customer acquisition to refined management, emphasizing risk identification, product pricing, and service responsiveness [5][6] Technological Advancements - Technological progress, particularly in big data and artificial intelligence, has enhanced risk pricing accuracy and streamlined claims processes, with some companies achieving rapid underwriting and claims settlement [6] - Companies like Tencent Weibo have integrated claims services into their platforms, significantly improving the efficiency of claims processing [6] Challenges and Areas for Improvement - Despite growth, internet insurance faces challenges such as ambiguous product names, insufficient information disclosure, and a lack of human customer service, which can undermine consumer trust [8] - The industry must balance efficiency with responsibility, ensuring consumers understand products and match their needs appropriately to maintain long-term trust [9]

香港一场突如其来的大火，吞噬了生命与家园，也考验着保险行业的责任与担当。目前，相关保险理赔正在有序进行中，中国太平保险（香港） 有限公司（以下简称"太平香港"）已完成大埔宏福苑火灾首批9宗家居保险赔付，共支付赔款537.2万港元。 实际上，香港大埔住宅楼大火不仅引起市民对于城市住宅安全的关注，也引发社会对于家庭抵抗风险能力的重新审视。此前一度被市场忽视的家 财险，再次被推到聚光灯下。 不过，与香港成熟的家居保险保障体系形成鲜明对比的是，内地的家财险市场相对冷清。一直以来，家财险普及率不高，个人主动投保比例更 低，大量家庭仍处于保障"裸奔"状态。为何家财险一直不温不火，从冷门到热门，家财险究竟还需要跨越多少障碍？ 火灾倒逼风险意识觉醒 "买的什么，家财险吗？""家居保险我家一直有买，一年两千多买个安心。"12月3日，北京商报记者注意到，在保险秘闻视频号发布太平香港完成 大埔宏福苑火灾首批保险理赔相关报道后，评论区讨论家财险的相关评论在持续增加。 可以说，一次牵动人心的火灾，正悄然撬动消费者的保障意识。腾讯微保相关人士透露，该平台11月25日后家财险产品页面访问量翻倍。某互联 网保险平台内部人士告诉记者，该平台家 ...

Core Insights - The insurance industry is undergoing a transformation driven by AI, with leading companies adopting differentiated AI strategies to build their technological moats [1][4] - By 2025, major insurance institutions are integrating AI into their top-level strategic planning, resulting in unique development paths [1][3] - AI is evolving from a tool for efficiency enhancement to a core driver reshaping industry logic, with a consensus emerging around this viewpoint [1] Company Strategies - China Ping An is implementing an "AI in All" strategy, creating a comprehensive intelligent ecosystem covering finance, healthcare, and elderly care, with 818 million model calls and over 650 application scenarios reported in the first half of 2025 [1] - Sunshine Insurance is advancing its "Technology Sunshine" strategy, focusing on "robotics engineering + data engineering" to drive innovation in sales, service, and management [2] - New China Life is enhancing its digital transformation through "data empowerment, intelligent upgrades, and innovative breakthroughs," deploying a private version of the DeepSeek model [2] - Hongkang Life is integrating AI into core operations and decision-making processes, transitioning from traditional policy sales to a health management and lifestyle service platform [2] AI Applications in Operations - AI is significantly improving efficiency and customer experience across various insurance processes, from marketing to claims services [5][6] - In sales, AI acts as an "intelligent partner" for agents, exemplified by Sunshine Insurance's "life insurance sales robot" that supports agents throughout the sales process [5] - China Ping An has developed a digital underwriting system that achieves a 94% instant approval rate for life insurance policies using AI and big data [6] - Claims services are being upgraded to "speedy and intelligent" levels, with China Ping An's "111 Speedy Claims" service achieving a 58% rapid claims ratio in the first three quarters of 2025 [6] Customer Service Enhancements - AI is enabling "24/7, seamless" service experiences, with Sunshine Insurance piloting "zero transfer" services for customer inquiries [7] - New China Life's "Internet intermediary intelligent assistant" provides online services with over 95% accuracy, while China Ping An's AI service volume exceeded 1.292 billion in the first three quarters of 2025 [7] Technological Foundations - The growth of AI applications is supported by continuous investment in technological infrastructure, data governance, and security measures [8][9] - China Life is among the first to deploy domestic large models, enhancing its capabilities across various business areas [8] - Hongkang Life is building a technology foundation through a hybrid model, ensuring data security and business closure while collaborating with third-party technology firms [9] Industry Outlook - The insurance industry is leveraging AI as a core engine for comprehensive innovation in business processes and models, aiming for more inclusive, efficient, and intelligent services [11] - The ongoing evolution of technology and deepening applications of AI are expected to help insurance institutions overcome development bottlenecks [11]

转自：深圳特区报 深圳特区报记者 张程 "我行已构建覆盖科技企业全生命周期的综合金融服务体系，制造业贷款与战略性新兴产业贷款余额双 双突破2000亿元，精准赋能深圳'20+8'产业集群发展，推动传统产业转型升级、战略性新兴产业和未来 产业前瞻布局。"展台有关负责人介绍。 作为国内规模最大、参展机构最多、覆盖金融领域最广的重要展会之一，深圳国际金融博览会（以下简 称金博会）自创办以来，已从地方性展会成长为全球展览业协会（UFI）认证的国际性专业展会。正在 火热开展的第十九届金博会，自然也成了金融机构大秀创新产品和服务的重要舞台。 福田展区，"金融专业楼宇投壶""品牌打卡点"等互动环节轻松有趣，吸引众多市民参与。招商证券、景 顺长城等多家金融机构开展主题投教活动，通过知识问答、现场咨询等形式，以"大白话"传递金融反 诈、个人养老金等知识，有效提升公众参与感。 走进展会现场，处处充满金融创新动能。中国信保在金博会上发布了全新外经贸全球资信数据服务产 品"全球查"，以数字化创新赋能外贸高质量发展。 "展区重点展示了中国平安、财富趋势、华锐技术、豆沙包、海云安等企业形象，立体呈现出金融科技 生态全景。同时展厅也将数字A ...

Core Insights - The article discusses the impact of Typhoon "Hagupit" on vehicle owners in Shenzhen, highlighting the insurance industry's response and the measures taken to mitigate risks for car owners [1][2][3]. Group 1: Typhoon Impact and Insurance Response - As of August this year, Shenzhen's vehicle ownership exceeded 4.6 million, with significant concerns for car owners during typhoon events due to risks of flooding and damage [1]. - Typhoon "Hagupit" is expected to be one of the most severe typhoons since "Mangkhut" in 2018, with past events leading to substantial insurance claims, including 11,167 reports and estimated losses of 146 million yuan during "Mangkhut" [2]. - The insurance industry in Shenzhen has activated emergency response mechanisms, including a "1+N" flood and typhoon prevention system, with multiple companies opening green claims channels to expedite the claims process [1][3]. Group 2: Insurance Products and Risk Management - New insurance products like "Shenzhen Huijia Bao" have been launched to cover common risks such as typhoons and floods, aimed at enhancing public awareness and risk management capabilities [4]. - Insurance companies are utilizing various communication methods to alert clients about typhoon risks and provide disaster preparedness guidance, ensuring a coordinated response with repair shops and towing services [3]. - Technological advancements, such as the "Car Insurance Waterlogging Black Spot" warning service, are being employed to help car owners identify high-risk areas during severe weather events [5]. Group 3: Claims Process and Vehicle Safety - Car owners are advised to avoid unnecessary travel during typhoons and to take precautions, such as not restarting engines if they have stalled due to water [5][6]. - Insurance coverage for vehicles affected by flooding includes compensation for damage to electric vehicle components, with specific guidelines for handling submerged vehicles [6].